Exactly this. I've seen investors get burned by HOAs that restrict renting or short-term stays—imagine discovering too late you can't Airbnb your own ...

Yeah, that's a great point. I learned that lesson the hard way a few years back when I refinanced one of my properties. Thought I was being smart lock...

I see your point, but honestly, relying too heavily on physical backups has its own risks. I had a friend whose basement flooded unexpectedly—fireproo...